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No Surprises Act

Effective January 1, 2022, the "No Surprises Act" was created, which requires mental health practitioners to provide a "Good Faith Estimate" (GFE) to patients who do not have insurance or patients who have insurance but are out-of-network. The Good Faith Estimate's purpose is to show the cost of services to avoid an unreasonably large bill. Your treatment and cost of treatment will vary based on your individual needs, amount of therapy sessions needed/wanted, and the type and length of services you attend. Good Faith Estimate Under Section 2799B-6 of the Public Health Service Act, health care providers and health care facilities are required to inform individuals who are not enrolled in a plan or coverage or a Federal health care program, or not seeking to file a claim with their plan or coverage both orally and in writing of their ability, upon request or at the time of scheduling health care items and services, to receive a “Good Faith Estimate” of expected charges. Under the law, health care providers need to give patients who don’t have insurance or who are not using insurance an estimate of the expected charges for medical services, including psychotherapy services.

•You have the right to receive a Good Faith Estimate for the total expected cost of any non-emergency items or services.

•You can ask your health care provider, and any other provider you choose, for a Good Faith Estimate before you schedule a service.

•If you receive a bill that is at least $400 more than your Good Faith Estimate, you can dispute the bill.

•Make sure to save a copy or picture of your Good Faith Estimate.

Department of Health and Human Services: www.cms.gov/nosurprises or 877-696-6775

New Jersey: https://www.state.nj.us/dobi/division_consumers/insurance/outofnetwork.html or 800-446-7467